A Dubai tenant should insist on getting a written permission from the landlord to keep pets at home. Sarah Dea / The National
A Dubai tenant should insist on getting a written permission from the landlord to keep pets at home. Sarah Dea / The National
A Dubai tenant should insist on getting a written permission from the landlord to keep pets at home. Sarah Dea / The National
A Dubai tenant should insist on getting a written permission from the landlord to keep pets at home. Sarah Dea / The National

Mario Volpi: Dubai tenant in the doghouse as landlord orders removal of pet


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My dog and I have been unfairly treated by my landlord in Dubai. When I moved into the apartment in March 2014, I declared I had a dog and was assured that the landlord didn't have a problem with this, given there was another pet owner with two dogs in the building. Unfortunately, instead of getting this in writing, I took their word as consent. Then recently, I was sent a letter stating that, I am "not allowed to keep any animal", and was given "48 hours to resolve the matter or else vacate". I was devastated and requested permission to stay with my dog at least until the end of my lease. However, their response was negative, stating that I had to "take him out with immediate effect". The only reason I moved in was because I was given permission to stay with my dog. If I leave, I'll have a penalty of two months' rent plus Dh500. How can a landlord wake up one morning and decide to go against their word? AL, Dubai

The lesson that can be learnt from your experience is to definitely insist on getting everything in writing in future so there cannot be any surprises. Moving into an apartment with a pet (dog) on the basis that there are other pet owners living there is no guarantee of peaceful future living. Most landlords do not have a problem with their tenants having a dog or other pets, but the problem goes further than individual owners (landlords). A pet owner should also get permission (in writing) from the owners' association or from the company that manages or maintains the building.

The ultimate decision lies with the municipality, especially if there is a complaint. This is the real reason I think your landlord has had a change of heart. Something negative must have been said or got back to him. Without written documentation of permission, sadly you will always be living in fear. Although you are a responsible pet owner, there are many who are not. It only takes an “incident” such as someone stepping into dog mess that has not been cleared up for the banning of pets in a particular area to come into force.

Be determined in your face- to-face communications with the landlord and/or the property management company to come to some sort of a compromise.

I am renting a flat in Sports City and my contract is about to finish. I received a letter on February 1, 2015 from the court saying the landlord will not renew it for the next year and the reasons are personal. Since this letter, I haven't heard from the landlord so what kind of rights do I have? And when do I have to leave the flat according to the law? SP, Dubai

I assume that if your landlord has given you notice for “personal reasons” then this must mean he wishes to use the property himself or his immediate next of kin. There are two points I would like to explain; the first is that if this is indeed the reason for your eviction, then the owner has to show evidence that he doesn’t have another suitable alternative property he can use. The second point is less clear. You say that the court letter was received by you at the beginning of February 2015. Law 33 of 2008, article 25 (2) states that a landlord may demand eviction from a tenant upon expiry of the tenancy contract for the reasons mentioned. Sending this notice three months after the renewal would not (in my opinion) constitute “upon expiry”. Therefore, if you wish to stay on in the property you could file a case at the rental dispute committee stating that the eviction notice was not issued at the correct time and/or request your landlord prove he doesn’t have a suitable alternative property he can use.

As the law is not set by precedent, I cannot confirm exactly what the final outcome will be at the rental dispute centre, as judges assess situations on a case-by-case basis.

Lastly, any changes to a tenancy contract have to be communicated and agreed upon by either party 90 days before the expiry of the agreement, so given the fact that the contract is about to expire, unless he has given you this notice in writing he is not allowed to change the price.

Mario Volpi is a real estate professional who has worked within the industry for the past 31 years in London and Dubai. The opinions expressed in this article are those of the author and they do not reflect in any way those of the institutions to which he is affiliated. It does not constitute legal advice and is provided for information only. Please send any questions to mariovolpi64@gmail.com.

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Credit Score explained

What is a credit score?

In the UAE your credit score is a number generated by the Al Etihad Credit Bureau (AECB), which represents your credit worthiness – in other words, your risk of defaulting on any debt repayments. In this country, the number is between 300 and 900. A low score indicates a higher risk of default, while a high score indicates you are a lower risk.

Why is it important?

Financial institutions will use it to decide whether or not you are a credit risk. Those with better scores may also receive preferential interest rates or terms on products such as loans, credit cards and mortgages.

How is it calculated?

The AECB collects information on your payment behaviour from banks as well as utilitiy and telecoms providers.

How can I improve my score?

By paying your bills on time and not missing any repayments, particularly your loan, credit card and mortgage payments. It is also wise to limit the number of credit card and loan applications you make and to reduce your outstanding balances.

How do I know if my score is low or high?

By checking it. Visit one of AECB’s Customer Happiness Centres with an original and valid Emirates ID, passport copy and valid email address. Liv. customers can also access the score directly from the banking app.

How much does it cost?

A credit report costs Dh100 while a report with the score included costs Dh150. Those only wanting the credit score pay Dh60. VAT is payable on top.

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The internal combustion engine is facing a watershed moment – major manufacturer Volvo is to stop producing petroleum-powered vehicles by 2021 and countries in Europe, including the UK, have vowed to ban their sale before 2040. The National takes a look at the story of one of the most successful technologies of the last 100 years and how it has impacted life in the UAE.

Part three: an affection for classic cars lives on

Read part two: how climate change drove the race for an alternative 

Read part one: how cars came to the UAE

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Libya's Gold

UN Panel of Experts found regime secretly sold a fifth of the country's gold reserves. 

The panel’s 2017 report followed a trail to West Africa where large sums of cash and gold were hidden by Abdullah Al Senussi, Qaddafi’s former intelligence chief, in 2011.

Cases filled with cash that was said to amount to $560m in 100 dollar notes, that was kept by a group of Libyans in Ouagadougou, Burkina Faso.

A second stash was said to have been held in Accra, Ghana, inside boxes at the local offices of an international human rights organisation based in France.

Barings Bank

 Barings, one of Britain’s oldest investment banks, was
founded in 1762 and operated for 233 years before it went bust after a trading
scandal. 

Barings Bank collapsed in February 1995 following colossal
losses caused by rogue trader Nick Lesson. 

Leeson gambled more than $1 billion in speculative trades,
wiping out the venerable merchant bank’s cash reserves.  

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Etihad Airways regularly flies from Abu Dhabi to Kathmandu from around Dh1,500 per person return, including taxes. Buddha Air (buddhaair.com) and Yeti Airlines (yetiairlines.com) fly from Kathmandu to Bharatpur several times a day from about Dh660 return and the flight takes just 20 minutes. Driving is possible but the roads are hilly which means it will take you five or six hours to travel 148 kilometres.

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

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Key findings of Jenkins report
  • Founder of the Muslim Brotherhood, Hassan al Banna, "accepted the political utility of violence"
  • Views of key Muslim Brotherhood ideologue, Sayyid Qutb, have “consistently been understood” as permitting “the use of extreme violence in the pursuit of the perfect Islamic society” and “never been institutionally disowned” by the movement.
  • Muslim Brotherhood at all levels has repeatedly defended Hamas attacks against Israel, including the use of suicide bombers and the killing of civilians.
  • Laying out the report in the House of Commons, David Cameron told MPs: "The main findings of the review support the conclusion that membership of, association with, or influence by the Muslim Brotherhood should be considered as a possible indicator of extremism."
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Rugby World Cup (all times UAE)

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Director: Majid Al Ansari

Rating: 4/5